Swastika Insurance Broking Services Limited (hereinafter referred to as Swastika) operates the website https://hellopolicy.com to provide consumers choice and an easy way to buy Insurance products from multiple Insurance companies. Swastika is not an insurance company. Swastika is a licensed Insurance Broking Company holding a Broking licence from the Indian Insurance Regulator – Insurance Regulatory and Development authority.
IRDA Direct Broker Code : IRDA/ DB 775/ 08/19
Our participating insurance providers supply some of the information available on the Website and therefore there may be inaccuracies in the Website Information over which Swastika has limited control.
Swastika does not warrant or guarantee the Timeliness, accuracy or completeness of the Website Information; or Quality of the results obtained from the use of the Website.
To the maximum extent permitted by law, Swastika has no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a product or its terms you should seek further advice from Swastika or the relevant participating provider before choosing your product.
Swastika may pass on your personal information to the relevant participating provider if you apply to purchase a product through https://hellopolicy.com , however, Swastika does not guarantee when or if you will actually acquire the product that you have chosen. Swastika does not accept any liability arising out of circumstances where there is delay in you acquiring the product you have chosen.
Please note that Swastika is only collecting or assisting in collecting the premium deposit on behalf of the insurer you have chosen to buy the policy. The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion of the Insurer whose policy you have chosen to buy on which Swastika has no control. Swastika will ensure that the amount is refunded by the insurer in case there is no ultimate issuance of policy.
This agreement is in effect as of Oct 02,2020
We reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.
By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations and generally accepted online practices or guidelines.
Wherein, you understand that:
We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.
You agree to indemnify and hold harmless Swastika Insurance Broking Services Ltd. and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.
By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:
Furthermore, you understand and agree that:
Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.
No information or advice, whether expressed, implied, oral or written, obtained by you from Swastika Insurance Broking Services Ltd. or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.
In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Swastika Insurance Broking Services Ltd. will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.
All content and materials available on https://hellopolicy.com, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Swastika Insurance Broking Services Ltd., and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Swastika Insurance Broking Services Ltd.
You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.
This website is controlled by Swastika Insurance Broking Services Ltd. from our offices located in the state of Madhya Pradesh, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of Madhya Pradesh, by accessing our website, you agree that the statutes and laws of Madhya Pradesh, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.
Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in India, Madhya Pradesh. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
UNLESS OTHERWISE EXPRESSED, Swastika Insurance Broking Services Ltd. EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Swastika Insurance Broking Services Limited ("Swastika") has merely partnered with various third party experts in order to facilitate extended services to the users purchasing Term Insurance. The services provided by the third party(s) are provided by them in their capacity as an independent service provider(s). Swastika do not provide the services in any capacity whatsoever. Swastika do not endorse the services of the listed partners. Swastika shall not be liable for any payment obligation in relation to the services provided under the Nominee Assistance program.
Swastika shall not be liable for any act(s)/omission(s) of the partners and/or any defect/deficiency in provision of the listed services including their refusal to provide the services. Any third party facility/offer(s)/service(s)/product(s) (“offer”) shall be subject to the terms and conditions of such third party which shall be applicable to the user. Swastika do not endorse, make no representation and shall have no liability or obligation whatsoever in relation to such third party offer.
All such third party offer shall be availed by user at their own risk and responsibility. Swastika shall not be liable for any payment obligation in relation to such third party offer, which shall be user's responsibility.
Swastika is only an insurance broker and can assist with any insurance claims only to the extent of liasioning with the insurance company. Any insurance claim shall be processed by the insurance company subject to their terms and conditions and the insurance policy.
Swastika reserves the sole right to modify, amend, change, refuse or revoke their respective services, any offers including third party offer herein at any time without assigning any reason and without any liability and notice.
These terms and conditions for Nominee Assistance Program are in addition to all other terms and conditions provided hereunder including the FAQs and all these terms and conditions and FAQs are legally binding on the user. Swastika reserves the sole right to modify, amend, change or revoke these terms and conditions including the FAQs without any notice at any time and all such terms and conditions and FAQs as amended from time to time shall be legally binding on the user.
Any disputes arising pursuant to these terms and conditions are subject to the exclusive jurisdiction of courts in Indore.
You are authorising Swastika to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication. This authorization will override your registry under NDNC.
If you have any questions or comments about these our Terms of Service as outlined above, you can contact us at:
Swastika Insurance Broking Services Ltd.
48, Jaora Compound, MYH Road, Indore(MP)